PwC only provides high deductible w/ HSA plans. Even the “low deductible plan” has a deductible in the thousands. What if you’re a new joiner that is in the middle of expensive medical care?

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My firm has both, and the math checks out. If I were to put the difference in insurance money between low deductible and high deductible plan, I can max out the hsa and that is enough to pay of the deductible (2k) that I may have to with multiple doctor visits in one year. So think of it this way, instead of paying the insurance company so they offer low deductible, you save the same amount of money and pay the high deductible if necessary, if not, you saved that money instead of paying it to insurance.
Hope that makes sense.

Not nearly as dramatic but I feel your pain - started in May, have to refill my most expensive medication in June fully out of my pocket and then the plan resets in July I believe and I have to start on the $1500 again. You can pay yourself back out of the HSA once the money is there. Hopefully you’ll hit your max out of pocket quickly and not have any additional out of pocket. I would keep the smaller doctors in the loop that you have to wait for the HSA balance to be there and on the other bills pay a nominal affordable amount to prevent credit dings and being sent to collections. I wish HSAs, since they are aligned with HDPs worked like FSAs in that the full amount you signed up to contribute (or at least up to the amount of the deductible was available immediately. And on a side note to that, as someone that almost always spends the maximum I’m allowed to contribute, don’t try and sell me on this wealth building tool.

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